"Never happened" is pretty much part of the definition of a black swan, and I'm thinking it's a black swan like this that may be the most likely event that could have a significant negative impact real estate prices in the Bay Area. Also, it has happened--in 1906: 90% of the damage in SF from that ...

I have the current Fidelity Visa Signature card, which provides 1.5% cash back to a Fidelity account. I wanted to find out 1) if my 1.5% rewards would change to 2%, and 2) when that would happen. I just called the number listed on the new Fidelity card advertisement page at Fidelity's website. I wa...

Am I the only one finding it particularly easy to invest in em/int given that U.S. Markets were flat-ish all year? Eg zero sector envy, I'm sure I'd be singing a different tune if the s&p were up say 5%+ on the year... Int just seems like a value proposition to me (em always scares me ofc), esp give...

How about a option 3.5? Hold just long enough to sell at long term cap gains rates vs marginal income taxes (12 months and a day) Where appropriate use a few puts to protect your gains for 12 months. You may want to ask your employer for their policy on such an activity (can obviously be frowned upon)

I'm really conflicted here. I love the look of their ~70/30 portfolio which has around ~8% cash if I consider the 8% to return approx 3%/APY/long-term bond-type yields its around 20-25 basis points of 'fee' If I consider it part of the overall portfolio's ~6% nominal expected return then it's closer...

I was also able to find an allocation around 6% cash, will edit this post with more details when I finally get through the wizard(s)... edit: acting kinda like Obamacare in the first ~12 months or so w/signup problems. Stalled out in processing "please try again later" incidentally my employer ESPP ...

relevance? http://www.jdroth.com/photos/FINCON-mrmoneymustache.jpg *also on a sidenote: MMM has said TIME and TIME again that he doesn't subscribe to the concept of "retirement" as "not working/earning income of any sort" AT ALL. EVER. Read closer if you guys think he is saying anything about a 4% S...

Do I get to be one of the first [only?] people/person to answer this fine Q? *disclaimer I am a coin collector I am presently enamored with pre-1933 circulated US gold coins, and [duh] the $20 St. Gaudens You pay a numismatic premium, so most bogleheads will throw this option out. It's something lik...

good luck OP but phone+laptop confiscated means they are ACTUALLY finding something on those devices to uncover some mess that has occured for which they are blaming you already. You're beyond fired Sounds like the best course is a stiff drink, chin up, and on to the next job. I'm sure it will be be...

Thanks for the link! Will read, first thoughts:7% dedicated to cash seems like a tiny price to pay and offers a nice side benefit as well (stability/reserve), I guess there's no free lunch *reading Edit: no mention of automatic/daily tax loss harvesting? I think every robovisor has something everyon...

100% " SPTN 500 INDEX ADV (FUSVX) 02/17/1988" 0.07% outside of this 401k perhaps you can look at your spouses 401k for a bond fund or either of your Roth's to balance the entire portfolio appropriately with your AA assuming you're targetting 60/40 ish CN: you have (1) good fund in your 401k, so will...

I though the elephant in the room here is automated daily tax loss harvesting, which is expected to generate some tax alpha in taxable accounts. Agreed with the posters that suggest just using vanguard and a spreadsheet is probably superior where this level of finesse is not required (eg tax advanta...

great link, I wonder how to quantify the bid/spread in say schwab's ETFs which I understand have substantially lower volume than say...vanguards also fwiw: the part I'm getting excited about is the reference ~.3/.4% long term TL alpha with a tax rate arbitrage kicker [no way will I be in this tax br...

it's precisely the opposite but a more nuanced calculation and very personal in nature , occasionally, it may make sense to 'take' capital gains before something historic happens. Like LT cap gains rate moving from 15% to 28% these are the types of posts however that I think tend to get locked, apol...

I think the subtlest move of all is to tilt a little in the foreign index funds [although I'll be honest I'm not sure to what degree currency arbitrage plays a role in the NAV, probably some non-zero factor]

I think it's like an arms race... who wants to be the advisor that offers that their gains will be 'less' than the other guy? sort of like how tax return products are marketed [xyz corp got me $14,000!!!]

I'd be worried by the frequent capital gain if it was to rebalance so frequently I believe the whole 'point' of the robo-advisor [schwab] in this case is actually to go for a realized loss [or enough regular deposits/dividends] vs a cap gain. The main selling point [imho] is the daily tax loss harv...

personally I can't WAIT for schwab to launch the intelligent portfolio service the automated/daily tax loss harvesting service is the main attractor. [obviously in taxable space only] I'm SUPER excited to not have to stress/worry about sub-optimal manual TLH [eg swap to similar asset...wait 30 days....

what about the cost in career capital for the often-correlated to 'bring-home-from-lunch-guy' tends to also be 'eat-by-himself' guy who is then seen as less sociable who is then less likely to be promoted /less likely to receive raises/etc to some degree?

also the oval office is floating a rise in the capital gains tax [doesnt look like theres a good chance of it passing], so I wouldnt worry about it but of course thats another scenario to keep in mind.

tax-gain harvesting may be prudent if we do actually return to the reagan era rates

I assume it's 0.1% of his portfolio (or less) in that double-inverse fund... say he's worth $5m... we're talking about $5k here, tops... most here advocate "do watcha like" with up to ~5%.... this is 1/50 of that amount (to him)... also if he's been in gold since "at least 2002", who is laughing now...

Do i understand you right? Lets say you buy a gold one ounce piece, have it shipped. you pay 5 percent over spot. stipulate spot remains unchanged. You sell it back to them, what exactly is the 3 percent? I would assume that the 3 percent would be 3 percent under spot? That the total loss of such a...

also some companies make the re-imbursement/application process for said benefit either recurring or incredibly painful expecting that many will not put up with the torture example: billing internet, phone, gym, other small recurring expenses monthly through a painful cost accounting process (these ...

actually no, other than a $75 or so lease origination fee for the paperwork, leasing is identical and the 'money factor' follows predicted depreciation precisely. the only way to lose with a lease is to go somewhat under (or over) on the stated miles for your lease, or if depreciation isn't quite so...

pink floyd: wish you were here So, so you think you can tell Heaven from Hell, Blue sky's from pain. Can you tell a green field From a cold steel rail? A smile from a veil? Do you think you can tell? And did they get you to trade Your heroes for ghosts? Hot ashes for trees? Hot air for a cool breeze...

I can't be the only one who is thinking of refinancing solely in it's impact on your networth, with eventual home-ownership-free-and-clear as NOT being the end-all goal or even a variable. I look at the opportunity cost(s) associated with not refinancing to (hopefully) superior term(s) vs keeping th...

Epsilon Delta wrote:The only reason to pay estimated taxes before Jan 15th is if it is needed to avoid under-withholding penalties. If you are paying extra in order to get paper I-bonds this deadline does not apply. The IRS will process estimated tax payments made after Jan 15th.

Hobbies come and go but here are my current ones: surfing --50+ days a year, + a mandatory yearly trip or 3 to hawaii and somewhere off the beaten path. if the swell is up I'm in santa cruz you can set your watch to it. I'd go more often but I reserve one weekend day to do stuff with the SO :beer mo...

it's also generally speaking 3-10x as large as Roth-potential space in this tax bracket, if you ignore tax-event conversions, and we are talking about $5k here, which is close to noise at this income level imo

either front-door/backdoor $5k a year into a Roth When you are eligible for the 401k, I'd contribute only up to their match In the 28% bracket (+ state) I think it's nuts to prioritize post-tax over pre-tax savings. Unless the 401k is horrific it should come first. my theory is Roth space is awesom...

they get 72% of their investment back? I'd consider that fortunate also, compare this to the expected statistical chance your: a) safe deposit comes up empty b) house and or person get rolled and it is liberated from you c) your government or similar confiscates it etc personally I think the chance ...